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Australia's first instant business loan platform

Up to $100k. Funded in 4 hours.

The only place in Australia where you can match, sign and get funded the same day — without a single phone call. Express is a fully self-serve, instant business loan platform. Nothing else like it exists in the country.

Get matched → See calculator
No phone calls · No broker · No paperwork chase · 100% online
9:41
Saturday, 31 May
9:41
Fundfast now
Funds available
$75,000.00 has been deposited to your business account.
Calendar 9:30 AM
Quote follow-up call · Acme
Accountant 8:14 AM
Sent through the BAS — let me know if…
Approved
$75,000 · Tier 4
7.9% p.a.
$1,143 / week
A category we built ourselves — because nobody else in Australia does this.
Live now · Funded today
1st Of its kind in Australia. No other instant matching and funding platform exists.
4hrs From application to money in your business account. Same-day, every day.
0 Phone calls required. Ever. No broker. No callback queue.
100% Self-serve from your phone. Match, sign, fund — all online.
Why Fundfast

Built for fast-moving Australian businesses that need capital today, not in two weeks — and aren't waiting for a broker to call back.

The only platform doing this. Anywhere in Australia.

Every other lender, broker or bank still puts a human in your way — and that human takes weeks. Fundfast skips all of it: match in 60 seconds, fund in 4 hours, signed from your phone.

Business owner using Fundfast on his phone and laptop
$75,000 funded in 4 hrs ⚡
Instant Match
Answer 6 quick questions. We scan every eligible lender and show you real offers in 60 seconds.
Cafe owner pulling an espresso shot in golden window light
Fundfast
4 hrs to fund $75,000
Tier 4 · 12 mo 18.0% p.a.
Funded in 4 Hours
Sign your agreement and watch funds land in your account in as little as 4 hours.
Small business team collaborating around a laptop
fundfast
Self-Serve Portal
Track everything from your dashboard — status updates, document uploads, settlement countdown, all live.
Australian small business owner in a warm-toned interior
4.9
Australia's
first instant business loan platform
Built for Aussie Business
2,481+ businesses funded · 4.9★ average rating from 1,247 verified reviews.
The market

There is nothing else like this in Australia.

We built Express because no one else has. Every other path to business capital in this country still relies on humans, paperwork and weeks of waiting. Express is the only platform that gets you funded today.

Australia's only

Fundfast

Instant matching & funding platform
  • Funded in 4 hours — same day, every day
  • Zero phone calls. Ever.
  • Match, sign and settle from your phone
  • 3 documents — no tax returns, no financials
  • Instant offers across every eligible lender
  • Apply 24/7 — funded inside business hours

Traditional broker

Human in the middle
  • 7–14 days to a first offer
  • Multiple phone calls to qualify
  • Funding 1–2 weeks after sign-off
  • Email chains, PDF forms, manual ID
  • Full financials, BAS and accountant letter
  • Limited lender panel — one broker's view

Bank

The slow path
  • 4–6 weeks to approval
  • Branch visits and credit interviews
  • Funding settles weeks after sign-off
  • In-person ID and wet-ink signatures
  • 2 years of financials required
  • One bank, one decision, no shopping
By the numbers

Powering Australian business, every single day.

Real numbers from real businesses — funded today, funded yesterday, funded again right now. Watch the counter.

Live · Updated continuously
$47.2M
Funded to date
$3.1M this month
2,481
Australian businesses funded
184 funded this week
4.9 / 5
Average customer rating
From 1,247 verified reviews
3hr 42m
Average time to funded
18 minutes faster than last month
Who qualifies

Built for the businesses other lenders turn away.

Bad credit. Three months old. Knocked back by the bank. If your business is trading and turning over, we have an option for you — and you'll know in 60 seconds.

OK credit

Bad credit? Welcome.

Past defaults, ATO debt, payment plans — all considered. We assess how your business runs today, not what happened two years ago.

Defaults considered
3 mo

Just 3 months trading. That's enough.

Most banks want two years before they'll talk to you. We fund Australian businesses as young as 3 months old, every single day.

Brand-new businesses welcome
$10k/mo

That's the entire revenue bar.

If your business turns over $10,000 or more a month, you're in. Active ABN required. No tax-return threshold, no minimum profit, no accountant sign-off.

ABN + revenue. That's it.
3× turnover

Borrow up to 3× your monthly revenue.

Turning over $30k a month? Access up to $90k. Up to $35k? Hit the $100k Fundfast ceiling. Built for fast scaling, not slow approvals.

Capped at $100k on Fundfast
No-doc lending
And to qualify for any of this — tax returns financials BAS accountant letter profit & loss. None of it. Just 6 months of bank statements, your licence and your ABN. That's the entire file.
Calculator

Know the cost before you commit.

Real numbers, real time. Estimate your weekly repayment across our two Fundfast tiers — both fund in 4 hours, both deposit to your account the same day. No other Australian platform shows you indicative rates and settlement times live.

$1,143
Weekly repayment
Loan amount $50,000
Indicative rate 18.0% p.a.
Total interest paid $5,432
Total cost $55,432
Time to funding 4 hours
Apply now →
Indicative only. Final rate confirmed after match.
Documents

Three things. That's the entire list.

No tax returns. No financials. No accountant letter. No BAS. Just three things, uploaded from your phone in 60 seconds. Nowhere else in Australia asks for less.

01

Bank statements

6 months. PDF or CSV. Auto-matched.

02

Driver's licence

Snap a photo from your phone.

03

ABN details

Already verified. Nothing to do.

Done

That's it.

No tax returns. No financials. No accountant required.

Portal

The only dashboard you'll ever need to check.

Once matched, your personal portal becomes mission control — live status, document uploads, settlement countdown, funds in your account. No phone calls. No "where's my application?" emails. The only platform in Australia that puts the whole process in your pocket.

Approved
$75,000
↑ Tier 4 · 7.9% p.a.
Funding in
2h 14m
↑ On track
🔒 portal.businessloansiq.com.au/dashboard
BL
Fundfast Portal
Welcome back, Sarah
Acme Construction Pty Ltd · #FF-4827
Approved
Funds settling to your account
$75,000
Tier 4 · 12 month term · 18.0% p.a.
Settlement in
2h 14m
Document checklist
View all →
✓
Bank statements
Complete
✓
Driver's licence
Complete
✓
ABN verified
Complete
!
Loan agreement
Sign now
Recent activity
All updates →
Funding initiated to your account
12 minutes ago
Application approved by lender
45 minutes ago
Bank statements verified
1 hour ago
Application submitted
1 hour ago
Customer stories

Don't just take our word for it.

Real Australian businesses, real funding, real fast. Verified reviews from the last 30 days.

Applied at 11am, money was in our account by 3pm same day. Used it to bulk-buy beans before the price hike — saved more than the loan cost us in interest. Could not be easier.
$35,000 funded in 3hr 47m
MC
Marcus Chen
Owner · Northbridge Coffee Co.
Our usual broker was going to take three weeks for a $75k working-capital loan. Fundfast had it sorted before I'd finished my second coffee. Genuinely changed how I think about business finance.
$75,000 funded in 3hr 48m
SW
Sarah Williams
Director · Acme Construction Pty Ltd
My credit wasn't perfect after COVID. Three banks said no without even reading my file. Fundfast matched me with a lender in 60 seconds and funded the clinic renovation the same afternoon.
$60,000 funded in 4hr 02m
PS
Priya Singh
Founder · Bloom Allied Health
Trusted & regulated
256-bit Encryption
Open Banking accredited

Join the only Australian businesses funded in 4 hours.

60 seconds to match. 4 hours to fund. Money in your account today. No calls. No broker. No other platform in Australia can say this.

Get matched now →
Australia's first instant business loan platform · Live now